Mortgage brokers, mortgage agents, and mortgage lending

I did a seminar last night at one of our local libraries which was in a series of seven that I completed throughout the month. I initially was there to speak and teach on money management and dealing with debt. However, the attendees listened to the information on debt and moved the discussion into purchasing a home. I gladly went to the subject of home ownership. One of the attendees asked me about establishing credit if you have none that is good or bad. Also, how is this a factor when you try to get a loan. I impressed upon him that even if you were in debt and got out of debt, it takes some time to establish a good credit history. I shared a couple of different examples with him of having credit and not having credit. I continued sharing with him about regularly monthly expenses that will be on the credit report. It was clear from listening to this individual that he had thought about purchasing a house.